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Find similar grantsFlorida State Small Business Credit Initiative is sponsored by Florida Department of Commerce (formerly Florida Department of Economic Opportunity). The Florida State Small Business Credit Initiative, administered through Ascendus, provides accessible loans of $5,000–$100,000 to established small businesses in Florida ready to invest in growth.
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Florida State Small Business Credit Initiative Claudia Romero, Pega Grill > Florida State Small Business Credit Initiative Unlock Funding for Your Small Business in Florida Ascendus’ Florida Program provides accessible and flexible financing to support the growth and success of small businesses across the state. Whether you need working capital, equipment, or funding for renovations, we’re here to help.
This program is designed for established small businesses operating in Florida that are ready to invest in growth and long-term stability.
To qualify, businesses must: Be located and operating in Florida Have been in operation for at least 1 year Generate less than $5 million in annual revenue in at least one of the last three fiscal years Have fewer than 50 employees Loan amounts: $5,000–$100,000 Fixed payments to support predictable cash flow Equipment, inventory, or services used to produce or deliver goods Construction, renovation, or tenant improvements.
Not for passive real estate investment This program is built to support real business activity and operational growth. If you found Ascendus through an online search, we ask that you first connect with a local business resource partner before applying. Partners like an SBDC , bank, or community organization can help you prepare a stronger application and improve your chances of success.
Clients who take this step are typically better prepared for the loan process. Once you’ve worked with a partner, you can move forward with your application. Just include their name when asked “How did you hear about us?
” Need help finding one?
Find your local SBDC To be eligible, businesses must meet the following requirements: Credit score: FICO score of 575 or higher US Citizenship or Uncoditional Permanent Residency required for all owners No more than $3,000 in unpaid or past-due debt Bankruptcy must be discharged for more than 2 years No repossession or foreclosure completed within the last 3 years Ownership: Owners with 20% or more ownership must provide a personal guarantee Compliance: Business must be in good standing with Florida state agencies We believe in transparency.
Here are the costs associated with this loan: 5% for loans under $20,000 4% for loans over $20,000 Florida stamp tax: $0. 35 per $100 borrowed (or portion thereof) Vehicle purchases only: $150 DMV fee if loan funds are used to purchase a vehicle No cost to apply online. These fees are included in the loan and only apply if the loan is approved and disbursed.
T here are no out-of-pocket expenses during the application process. “I am incredibly happy, and my family is happy. My daughter loves that she can say, ‘can you pick me up from school?
’ and I can finally say yes. ” — Kaisha Rodriguez, Le Massage de Kai, Boston MA Since my first loan with Ascendus, I have increased my staff, the number of children I can serve, and raised my credit score by 90 points. Ascendus has really gotten me into a good habit of keeping up with my finances, making sure I’m noting what’s going out the door and what’s coming in.
It’s been a really great learning experience that’s given me confidence and consistency. You guys are amazing. Very reliable.
I can rely on you all. Like if I need help I could definitely depend on you guys. Questions?
We’re here for you. At Ascendus, we make the loan process clear, supportive, and as simple as possible—so you can focus on growing your business. Important note: loan terms and conditions may change based on program guidelines.
We’ll confirm final details during the review process. Stories about who we partner with, how your donations help build communities, and updates on the work Ascendus is doing. Tips and tricks for small business owners.
Learn about everything from setting up a website, to paying taxes, and more.
According to the current listing, eligibility includes: Businesses based in Florida with 500 or fewer employees. Focuses on very small businesses or those owned by economically and socially disadvantaged individuals. Confirm the full requirements in the official notice before applying.
Florida State Small Business Credit Initiative is funded by Florida Department of Commerce (formerly Florida Department of Economic Opportunity). Verify program details on the funder's official page before applying.
This opportunity targets applicants in Florida. If your organization operates elsewhere, check the official notice for location requirements.
Applications go through the funder's official portal — the Apply Now link on this page goes there directly.
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